The first thing to understand is that credit card companies have the right to take legal action against you if you fail to make payments on your credit card. 

However, they must follow certain procedures and laws when doing so.  

For example, the credit card company must provide you with notice of the debt before taking legal action. 

They must also follow specific procedures when collecting the debt, such as not harassing you or your family members.

If a credit card company decides to sue you, they will typically hire a debt collection agency or a law firm to represent them in court. 

The lawsuit will be filed in either state or federal court, depending on the amount of the debt and other factors. 

You will be served with a copy of the lawsuit and will have a specific amount of time to respond to it.

If you don’t respond to the lawsuit, the credit card company may win a default judgment against you.